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Medicare

Elderly person with a therapy nurse

We understand Medicare can be confusing to many consumers. If you are about to become or are currently eligible for Medicare, contact us and we can help answer your questions free of charge or obligation. Choosing the right Medicare format is crucial to your healthcare, and we can help guide you through your options. We do this in a simple, friendly and easy to understand format.

What is Medicare?

Medicare is the federal government program that provides health care coverage for people over 65, under age 65 on Social Security Disability (SSDI), or under age 65 that have End-Stage Renal Disease. Medicare is administered by the Centers for Medicare & Medicaid Services (CMS) and funded by the Federal Government.

Medicare secondary insurance, or “supplemental,” is offered by private companies that contract with Medicare to provide benefits to Medicare recipients. Medicare supplemental insurance covers many healthcare costs that Original Medicare does not cover such as co-pays, co-insurance, deductibles, and many plans will offer the required Part D prescription coverage.

Medicare Options

There are many ways to access your Medicare coverage and many more secondary insurance options to consider. We simplify and clearly explain your Medicare options.

  • Medicare Advantage Plans – also known as Part C
  • Medi-gap Plans – in California typically known as Medi-gap PPO plans
  • Stand-alone Part D prescription plans

Getting Started

Part A – Medicare eligible individuals first need to acquire Part A and Part B Medicare through Social Services.  You usually don’t pay a monthly premium for Medicare Part A coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.

Part B – Some people automatically get Medicare Part B Medical Insurance, and some people need to sign up for Part B.  The standard Part B premium amount in 2019 is $135.50. Most people will pay the standard Part B premium amount.

To sign up for or research your eligibility for Medicare go to www.ssa.gov or call 800-772-1213.

We highly recommend a free consultation with us prior to applying to answer any questions you have about your eligibility.